Individual account eligibility criteria and conditions may apply.
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Savings
Find the right savings account for you
How can we help you save?
We will soon be reducing some of our interest rates, see the changes here.
The switch worth making
Switch to Royal Bank and you could get £150 and access to a 12 month fixed bonus rate if you open a Digital Regular Saver account.
Offer available to new and existing customers who haven't previously recieved a switch offer and did not hold a Royal Bank current account or savings account as of 17 February 2026.
How to get £150
1. Open a current account and switch to us
- Apply for a Select or Reward account and request to switch an account with another bank to us using the Current Account Switch Service by 28 May 2026.
- Your switch must be completed by 16 June 2026.
2. Within 60 days of switching
- Pay in £1,250 - This can be made of multiple payments and must remain in the account for 24 hours.
- Log in to our mobile app - This can be done on any device that supports the Royal Bank mobile banking app.
3. You're all set
When you've met these conditions, we'll pay £150 into your eligible account within 30 days.
How to unlock our bonus rate
Once you've opened your current account, you must open a Digital Regular Saver by 16 June 2026. To be eligible for the bonus rate, you need complete your switch to us.
- 7% AER
This includes 5.25% / 5.13% AER/Gross p.a. (variable) on balances up to £5k plus a conditional bonus of 1.75% (fixed) for 12 months. Interest paid monthly. - 1.00% AER/Gross p.a. (variable) on balances over £5,000.
There’s no need to wait for your £150 incentive to be paid.
Why choose a Digital Regular Saver?
- Save between £1 and £150 each month - you're in control.
- Instant access to your savings whenever you need them.
- Perfect for building regular savings habits, whether you're starting small or levelling up your savings goals.
Digital Regular Saver (Switch offer live)
5.25% AER / 5.13% Gross p.a. (variable) on balances up to £5,000, 1.00% AER / 1.00% Gross p.a. (variable) on balances over £5,000.
Information Message
Eligible current and savings account required. Conditions and app criteria apply. Exclusively for current account customers, aged 16 and over. UK residents only.
Switch offer available to new and existing customers who did not hold a Royal Bank current account or savings account as of 17 February 2026. T&Cs and restrictions apply.
ISAs
Make the most of your £20,000 ISA allowance for the current tax year
Information Message
You can only hold one Instant Access ISA with the Royal Bank of Scotland. You must be a UK resident aged 18+. Tax free interest means interest payable is exempt from UK Income Tax.
Instant Access ISA
Great for tax-free flexible saving
Enjoy tax-free interest on your savings up to £20,000
Open with as little as £1 and top up on the go
Access your money anytime, anywhere
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Fixed Rate ISA
Tax-free savings on balances starting from £1000
Any interest earned won't be taxed up to £20,000 for the current tax year
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Flexible Saver
A simple and flexible savings account for you to save what you can, when you can.
Earn a better rate of interest on balances over £25,000
Get instant, easy access to your savings whenever you need them
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Fixed Term Savings
Lock away your savings with our fixed term, fixed rate savings account.
Fix your savings pot on balances between £1 - £3,000,000
1 year terms - earn 3.30% / 3.25% AER/Gross p.a. (fixed) on balances between £1 - £99,999.
1 year terms - earn 3.40% / 3.35% AER/Gross p.a. (fixed) on balances between £100,000 - £3,000,000.
2 year terms - earn 3.30% / 3.25% AER/Gross p.a. (fixed) on balances between £1 - £99,999.
2 year terms - earn 3.40% / 3.35% AER/Gross p.a. (fixed) on balances between £100,000 - £3,000,000.
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Children's savings accounts
Invest in their future with our First Saver account
Access funds instantly, if you need them.
This account is to be opened by a parent/guardian in trust for a child who is under 16 years old.
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Calculate and compare your potential savings
Calculate and compare your potential savings
Enter a few details and get an idea of what your balance could look like.
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Our calculations are done with today's interest rates - these could change in the future. The projected balances below assume you won't withdraw any money.
Applicable savings accounts:
Must have RBS current account? | |||||||||||
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Other interest rates | Must have RBS current account? | Eligibility | |||||||||
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Saving
Savings have the advantage of being dependable, predictable and easy to access. If you know you'll need a set amount of money in the next 12 months, for example, then regularly depositing in a savings account may be the best solution. Savings will grow over time as more money is put away, and any interest paid accrues on your balance.
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Investing
If you are saving for a longer-term goal, typically five years or more, investing your money has the potential to grow your money and help protect your buying power from the effects of inflation.
The value of investments can go down as well as up, your capital is at risk. Eligibility criteria, fees and charges apply.
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Tools to help monitor your savings
Our savings tools can help you to gain control over what’s coming in, what’s going out and how you could save more.
Manage your existing savings account
Your savings hub can help you find out about your interest rate and when you will be paid the interest you've earnt. Help your savings grow by using our tools and top tips. And you can learn about your personal savings allowance. Manage your account by clicking below and logging in.
Round Ups
Save your spare change with Round Ups. If you want to reach your savings goals even faster, try multiplying the spare change you save - multiply by 2, 3, 4 or 5 in your app.
Financial Services Compensation Scheme
Your eligible deposits held by a UK establishment of Royal Bank of Scotland are protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.
Find out more about the scheme and how it protects your money.